CN107111810A - Method and system for direct operator's charging - Google Patents

Abstract

A kind of method for being used to handle transaction, including：By polymerizer the transaction data signal transmitted via communication network electronics is received from trade company；Certification message is transmitted from polymerizer to Mobile Network Operator (MNO)；By polymerizer approval transaction data signal is received from MNO；Dealing money is directed to payment network transmitting request message from polymerizer, the request message is configured to indicate virtual card number (VCN) request associated with MNO trading account；By polymerizer VCN transaction data signals are received from payment network；And VCN message is transmitted to payment network, the VCN message indicates that the VCN of payment transaction starts.

Description

Method and system for direct operator's charging

Technical field

This disclosure relates to handle the payment transaction of direct operator's charging by using virtual card number (VCN).

Background technology

Be related to the trade company of payment transaction generally it is interesting provide the consumer with easily, simpler method of payment.Consumption Person can use a variety of payment options (such as cash, check, credit card, debit card and Gift Card) and payment services are (for example PayPalTM, Bill Me Later) etc. buy product and/or service.In order to pursue bigger in point of sale (POS) terminal Facilitate and faster merchandise, being developed recently allows the automatic Payment Card read from card of account.These cartoons are commonly referred to as " close to Payment Card " or " non-contact payment card ", and they utilize radio frequency identification (RFID).

It is other also to be used more and more close to payment scheme.For example, also having been realized in (such as being moved with mobile device Mobile phone) payment ability, so that mobile device is transformed into contactless payment equipment.Trade company can make smart phone user Charged by inputting or transmitting its telephone number and allow its Mobile Network Operator to be handled according to their common chargings to them Come for transaction payment.In some embodiments, this may occur by direct carrier billing systems, and the system allows client Bought using its mobile device, and by allowing these purchases to return to its telephone bill or direct meter with operator Expense account is charged as those purchase payments.In order to provide this payment options, direct operator's billing provider is used as And/or the company of polymerizer must sign a contract with various trade companies and Mobile Network Operator, whole system is set to be in closed loop net Network.

A problem caused by the proposal is to realize the system, direct operator's billing provider and/or polymerizer Trade company and Mobile Network Operator (MNO) must be allowed to be that its system signs a contract trade company being connected with MNO.In this feelings Under condition, Mobile Network Operator and/or third party entity can polymerize transaction to settle accounts.This will be helpful to return to consumer Sweep account purchase charging.For direct operator's billing provider and/or polymerizer, the processing is probably consumption When, and be inconvenient for it may be unaware which trade company participates in the consumer of payment system, this may cause Great technology and law shortcoming.

The content of the invention

Presently disclosed system handles direct operator's charging by using the virtual card number (VCN) according to embodiment Payment transaction solve the above problems.

In the present system, consumer can buy and select the article for purchase.Consumer can take article to POS Equipment, wherein trade company can enable smart phone user by inputting or transmitting its telephone number come payment transaction.At some In embodiment, consumer can select to pay using mobile option on their mobile device, if before them Registration, then can insert mobile option in advance.Consumer can select the option, and system can be automatically filled in consumer's Mobile number and/or requesting consumption person input its mobile number at POS.Then, trade company (can may not wrap dealing money Include tax etc.) and telephone number pass to polymerizer together.

Then, polymerizer can communicate information to MNO, and MNO asks the approval to purchase.In some embodiments, Polymerizer can to MNO and/or represent MNO (for example, payment network) action people send to purchase request approval.Then, MNO can confirm that credit and/or fund are available, and allow consumer to be traded.In some embodiments, consumer Can be prepaid customers, and MMO can check the account of consumer, to ensure to have enough prepayment in consumer account Take telephone balances to pay purchase.If for example, consumer places 50 dollars on its Prepaid Telephone Account, and received Take 20 dollars of buying expenses, then MNO, which will appreciate that, has enough funds to carry out payment transaction in account, it is possible to according to these or Other factorses determine approval transaction.If MNO refusal transaction, they can notify aggregate entities, and aggregate entities can notify business Family, then trade company can Cancel Transaction.

If transaction is ratified by MNO, aggregate entities can ask VCN from payment network.Payment network is configurable to Recognize and/or issue the VCN merchandised for direct operator's charging.Payment network can receive the request to VCN.In some realities Apply in example, request can include MNO and/or the trading account associated with MNO.Then, payment network can recognize VCN and will It is associated with MNO trading account.The VCN recognized can be returned to aggregate entities by payment network.

Aggregate entities can receive VCN, and can be provided to trade company transaction approval and will be associated with mobile device VCN.Trade company can receive VCN and approval, can correspondingly handle payment transaction.Polymerizer can start to payment transaction The processing of payment, or the transaction of the payment for handling single, polymerization payment transaction can be polymerize.When trade company is ready to When, trade company and/or represent trade company behaviour Shou Dan financial institutions (for example, merchant bank) can generate payment transaction certification please Ask.Certification request can be used for dealing money (for example, just polymerizeing if applicable), and can include and mobile device phase The VCN of association replaces traditional Transaction Account number.Then certification request can be submitted to payment network, payment network can be known VCN is not used in transaction, and the VCN for the Transaction Account number that the associated trading account with MNO is associated can be switched, is handed over The easy account MNO associated with trading account is associated.According to embodiment, VCN may be used as transaction (if be intended for single use VCN) or consumer (if limited) be traded after book keeping operation and tracking unique identifier.

Then, certification request can be forwarded to the distribution financial institution associated with MNO trading account (for example, distribution Bank) or for handling its another appropriate entity.Distribution financial institution can use conventional method and system to ratify or refuse Payment transaction, but whether check the credit or remaining sum of consumer, distribution financial institution is checking MNO credit and/or remaining Volume.Authentication response can be by issuing financial institution's generation, and is supplied to payment network, and then payment network can correspondingly be carried out Payment transaction.Therefore, trade company can provide the consumer with the ability that payment transaction is carried out using the MNO checkouts from them, without Need to provide any payment information.

In some embodiments, it can include being received via communication from trade company by polymerizer for handling the method for transaction Network receives the transaction data signal of electronics transmission, wherein, the data-signal and the equipment mark for including consumer's mobile device Know transaction request and the dealing money superposition of symbol, consumer's mobile device is under the jurisdiction of consumer account.Polymerizer can be to The certification message that Mobile Network Operator (MNO) transmission is formatted based on one or more standards, the certification message arrangement To indicate the certification request of the approval for the transaction request.Polymerizer can be received from the MNO via communication network electricity The approval transaction data signal of son transmission, wherein, the data-signal is superimposed with the approval of the transaction request, and the transaction please The approval asked confirms that the consumer account has enough available funds to complete the transaction.Polymerizer can be to payment net The request message that network transmission is formatted based on one or more standards, the request message is configured to refer to for the dealing money Show virtual card number (VCN) request associated with the trading account of the MNO.Polymerizer can be received from the payment network and passed through The VCN transaction data signals transmitted by communication network electronics, wherein, asked in response to the VCN by the data-signal and VCN Superposition, wherein, the VCN is associated with the trading account of the MNO.It can realize to payment network transmission and be based on one Or multiple standards and the VCN message that formats, the VCN message arrangements is indicate that the VCN of payment transaction starts.

In some embodiments, the receiving device of aggregator service device can be included for handling the system of transaction, its It is configured to：The transaction data signal transmitted via communication network electronics is received from trade company, wherein, the data-signal disappears with including Transaction request and the dealing money superposition of the device identifier of the person's of expense mobile device, consumer's mobile device are under the jurisdiction of consumption Person's account.The transmission equipment of aggregator service device is configurable to：One or many is based on to Mobile Network Operator (MNO) transmission Individual standard and the certification message formatted, the certification message arrangement is indicates the certification request of the approval of the transaction request； Wherein, the receiving device of the aggregator service device is further configured to receive via communication network electronics from the MNO The approval transaction data signal of transmission, wherein, the data-signal is superimposed with the approval of the transaction request, the transaction request Approval confirm that the consumer account has enough available funds to complete the transaction.The institute of the aggregator service device Stating transmission equipment can be further configured to transmit the form based on one or more standards to payment network for dealing money The request message of change, the request message is configured to indicate that the virtual card number (VCN) associated with the trading account of the MNO please Ask.The receiving device of aggregator service device can be further configured to receive via communication network electricity from the payment network The VCN transaction data signals of son transmission, wherein, the data-signal is superimposed with VCN in response to VCN requests, wherein, institute State VCN associated with the trading account of the MNO.The transmission equipment of aggregator service device can be further configured to branch The network VCN message that transmission is formatted based on one or more standards is paid, the VCN message arrangements are instruction payment transaction The VCN starts.

Brief description of the drawings

The present invention, accompanying drawing are described by way of multiple exemplary embodiments (being not limited in wherein) referring now to accompanying drawing In：

Fig. 1 is the block diagram of the advanced system for the direct operator's charging for showing the use VCN according to exemplary embodiment.

Fig. 2 is the block diagram for the high level architecture for showing the processing server according to exemplary embodiment.

Fig. 3 is the flow chart for showing the processing via direct operator's charging using VCN according to exemplary embodiment.

Fig. 4 is to show to handle the flow chart that direct operator's charging is merchandised according to the use VCN of exemplary embodiment.

Fig. 5 is the flow chart for the processing for showing the payment transaction according to exemplary embodiment.

Fig. 6 is the block diagram for showing the computer system architecture according to exemplary embodiment.

Embodiment

Nomenclature

Acquirer-the entity that trade company handles payment card transaction can be represented.Acquirer can be certified to represent at trade company Manage the bank or other financial institutions of payment card transaction.In many cases, acquirer can open to as the trade company of beneficiary Vertical credit line.In consumer's (can be the beneficiary of the credit line provided by publisher) via Payment Card and by acquirer In the case of the merchant transaction of representative, acquirer can exchange fund with publisher.

Polymerizer-polymerizer is (interchangeable with direct operator's charging entity and/or aggregate entities throughout the specification Ground is used) processing cross-merchant scope individual consumer payment transaction, cause credit/debit card trading volume sufficiently high with permit Perhaps polymerizer is signed a contract from multiple process payments (having different pricing models).This allows polymerizer to be each again in turn Transaction dynamic select optimal processor.In addition, for extra saving, polymerizer can bundle the cross-merchant of single consumer Multiple payment transactions.

Controlled disbursement number (CPN)-controlled disbursement number can be the payment account with being limited by one or more rules Associated payment number.In many cases, these rules can be set by holder, for example expenditure limitation, trade date And/or time restriction, trade company or restraint of trade, merchandise expenditure or frequency limit etc..Controlled disbursement number can be held for account The Payment Card for being tied to account is given other people and used by people's offer chance, but must observe holder's (such as employing to employee's hair fastener It is main, or to the father and mother of child's hair fastener) rule of setting.It can be found below about the additional detail of controlled disbursement number： The United States Patent (USP) No.6,636,833 that on October 21st, 2003 authorizes；The United States Patent (USP) No.7 that on November 14th, 2006 authorizes, 136,835；The United States Patent (USP) No.7,571,142 that August in 2009 is authorized on the 4th；The United States Patent (USP) that on July 28th, 2009 authorizes No.7,567,934；The United States Patent (USP) No.7,593,896 that September in 2009 is authorized on the 22nd；The U.S. that on January 28th, 2104 authorizes Patent No.8,639,623；The United States Patent (USP) No.8,510,218 that August in 2013 is authorized on the 13rd；U.S. that September in 2013 is authorized on the 3rd State patent No.8,527,416；US publication application No.2007/0276736 disclosed in 29 days November in 2007；2008 The U.S. Patent application No.12/219,952 that July 30 submitted；The U.S. Patent application No.12/ that on November 10th, 2008 submits 268,063；The U.S. Patent application No.12/359,971 that on January 26th, 2009 submits；With Europe disclosed in September in 2009 9 days Published application No.EP2098976, the full content of each of which is incorporated herein by reference.

Publisher-foundation (for example, opening) is conducive to the letter of credit of beneficiary or the entity of credit line, and gives By beneficiary against the letter of credit or the amount of money specified of credit line issues the honor of draft.In many cases, publisher can be with It is to be certified the bank or other financial institutions for opening credit line.In some cases, it is any to provide letter to beneficiary Publisher can be considered as by borrowing the entity of amount.The credit line that publisher opens can represent in the form of payment account, and can To be employed by beneficiary via using Payment Card.Publisher can also provide the consumer with the payment account of additional type, this It will be apparent for those skilled in the relevant art, such as debit account, pay a bill in advance account, e-wallet account, storage Store account, checking account etc., and can provide the consumer with for access and/or using such account (such as debit card, Prepaid card, ATM card, stored value card, check etc.) physics or not physically.

Product (such as commodity and/or clothes that trade company-offer is bought by another entity (such as consumer or another trade company) Business) entity.Trade company can be consumer, retailer, whole seller, manufacturer or can provide for purchase product it is any its The entity of its type, this will be apparent to those skilled in the relevant art.In some cases, trade company can to for purchase The commodity and/or service for buying offer have special understanding.In other cases, trade company can without or do not require production to offer Product have special understanding.In certain embodiments, the entity for participating in single transaction is considered trade company.In some embodiment party In formula, trade company can widely mean the commodity on point of sale (POS) position and/or the sellers of service, generally but not must Must be so.

Mobile Network Operator (MNO)-possess or control all members necessary to providing cellular service for terminal consumer The wireless service provider of element.

Payment network-be used for via the system or network for carrying out transferring money using cash substitute.Payment network can make The currency transfer of various types of transaction is handled with a variety of agreements and process.The friendship that can be performed via payment network Can easily include product or service purchase, credit purchase, debit transaction, fund transfer accounts, account withdrawal etc..Payment network can match somebody with somebody It is set to and performs transaction via cash substitute, the cash substitute can includes Payment Card, the letter of credit, check, trading account etc.. Be configured to the network or system performed as payment network example include by Deng the network or system of operation.Term used herein " payment network " can be related to payment network and physical payment network (such as the equipping, firmly including payment network as entity Part and software).

Trading account-can be used for funds transaction finance account, such as checking account, savings account, credit accounts, void Intend payment account etc..Trading account can be associated with consumer, and consumer can be any associated with payment account fits When the entity of type, it can include individual, family, company, group, government entity etc..In some cases, trading account can Be it is virtual, for example byAccount Deng operation etc..

The numeral of virtual card number (VCN)-associated with one or more reality and/or trading account, and can be used for Transaction Account number in being handled instead of payment transaction.In some cases, virtual card number can be controlled disbursement number.

Use the system of VCN direct operator's charging

Fig. 1 is shown for the direct fortune via the payment transaction carried out using virtual card number (VCN) using mobile device The system 100 of expense is discussed by battalion.

In system 102, consumer 102 can have mobile device 104.Mobile device 104 can be adapted for performing sheet Any kind of mobile communication equipment of literary disclosed function, such as cell phone, smart phone, tablet PC, notebook Computer, laptop computer, personal digital assistant, intelligent watch, wearable computer etc..Mobile device 104 can be configured To be communicated via mobile network 108.Mobile network 108 can be operated by Mobile Network Operator (MNO) 106.MNO 106 can To be arranged to possess, safeguard, operate or entity otherwise associated with mobile network 108.

Consumer 102 can pay expense to Mobile Network Operator 106, to utilize mobile network with mobile device 104 Network 108.For example, consumer 102 monthly can pay to Mobile Network Operator 106, as the order to mobile network 108, Can all be paid using mobile network 108 every time, or can the usage based on mobile network 108 enter at regular intervals Row is paid.As a result, Mobile Network Operator 106 can collect service fee to consumer 102, or from consumer 102 with moving The account that Virtual network operator 106 is held deducts the fee.

Mobile device 104 can be associated with one or more device identifiers.Device identifier can be with that can use In the associated unique value of the mobile device 104 of its identification.Device identifier can include telephone number, media access control (MAC) address, Unique Device ID (UUID), international mobile station equipment identification (IMEI), Internet Protocol address, sequence number, note Volume number, user name and/or substantially any other unique identifiers.Mobile Network Operator 106 can be used and mobile device 104 associated device identifiers recognize and managed the account associated with consumer 102 with mobile device 104.

Consumer 102 can use mobile device 104 and the progress payment transaction of trade company 110 via mobile network 108.Pay Transaction can use web page browsing application program to carry out, performed via by mobile device 104 via the internet webpage of trade company 110 And the application program associated with trade company 110 is carried out, or for using mobile device 104 carry out payment transaction it is any its Its suitable method is carried out.In some embodiments, payment can occur at trade company POS.In order to be paid the bill for payment transaction, Consumer 102 can by input equipment identifier or by program on smart phone (such as using interior purchase function, its The identification of mobile device will be transmitted to trade company 110 or polymerizer entity 112 is forwarded directly to) operation carried to trade company 110 For the device identifier (such as telephone number) associated with mobile device 104.

In some embodiments, when telephone number be used for payment transaction when, trade company 110 can be collected to MNO 106 by By the amount of money of the transaction paid of MNO 106, and MNO 106 then can collect the amount of money to consumer 102, such as usual Charging procedures (for example, on 102 next advice of settlement of consumer) during.In some cases, MNO 106 can be from disappearing Dealing money, such as account of advances or the account with surplus are deducted in the account of expense person 102.On by trade company 110 to MNO The additional information of the system of 106 chargings can Murali et al. entitled " Conducting a Transaction Found in Between a Service Provider and a Merchant " Singapore patent application No.12701SG58, It is incorporated herein by reference.In the method and system including system 100 being discussed herein, trade company 110 will can set Standby identifier is supplied to aggregate entities 112.

Aggregate entities 112 can be arranged to represent the entity that MNO 106 polymerize and handled payment transaction to be handled, It can cause the higher efficiency of less expenditure of resource and the operation to MNO 106.Aggregate entities 112 can also be able to be business Family 110 provides the access to multiple MNO, and trade company 110 need not contact with multiple MNO and set up charging.Therefore, it is real using polymerization Body 112 can also use direct operator's charging to provide faster easier payment transaction processing for trade company 110, and can be with The easier entrance for entering direct operator's charging is provided by providing the access to multiple MNO 106 for trade company 110, and And so as to provide significantly larger customer base more available than tradition to trade company 110.

Promote the system of mobile payment to allow generally for user and show mobile device on point of sale (POS)；Mobile device shows Show that the payment token for being generated by transaction polymerizer and being received by trade company (is generally led in the form of bar code, QR codes and/or by near field Believe (NFC) transmission) as the guarantee paid.Many trade companies, are particularly those and are largely handed over relatively low dealing money Easy trade company, can be benefited from the polymerization of payment transaction, at least in clearing.Polymerization is included at the batch of multiple payment transactions Reason, to minimize the processing cost wherein occurred.In some embodiments, VCN can be the publisher of polymerization amount.Example Such as, trade company can adhere to handle consumer some $ 1 transaction, until transaction altogether 10 dollars or in preset time section tire out Accumulate, and then can handle the single $ 10 of consumer and merchandise.In some cases, single entity can represent trade company Polymerization transaction.

Aggregate entities 112 can receive setting for the transaction using the associated progress of mobile device 104 from trade company 110 Standby identifier.Aggregate entities 112 can provide device identifier (for example, telephone number) and hand over to Mobile Network Operator 106 The easy amount of money, for the approval of the payment of checking and the transaction of device identifier.MNO 106 can be based on standard (for example, account Remaining sum, available credit, the state of consumer or account, risk of fraud, gathering are calculated and/or any other payment approval method) To verify device identifier and determine the approval of payment.If the refusal transaction of MNO 106, they can notify aggregate entities 112, aggregate entities 112 can notify trade company 110, and then trade company 110 can Cancel Transaction.

If transaction is ratified by MNO 106, then aggregate entities 112 can ask VCN from payment network 114.Pay net Network 114 is configurable to recognize and/or issues the VCN for direct operator's charging transaction.Payment network 114 can be received pair VCN request.In certain embodiments, request can include MNO 106 and/or the trading account associated with MNO 106.So Payment network 114 can recognize VCN and it is associated with MNO 106 trading account afterwards.Payment network 114 will can be known Other VCN returns to aggregate entities.

In certain embodiments, VCN can include the bank identifier number (BIN) associated with MNO 106, credit number, Debit card number, check number and/or any other identifier.For example, payment network 114 can distribute certain limit to MNO 106 BIN, and the VCN that the BIN that it includes is in range of distribution can be issued.In this case, payment network 114 can be with Identification includes any payment transaction of the Transaction Account number in the range of distributed BIN, to use MNO 106 associated friendship Easy account is handled.

Aggregate entities 112 can receive VCN and be ratified by MNO, and can be by the friendship associated with mobile device 104 Easily (for example, by MNO 106) and VCN approval are transmitted to trade company 110.Note, can be each transaction transmission VCN, and/or VCN, which can be sent to trade company 110, is used for the transaction that multiple MNO ratify.Trade company 110 can receive VCN and ratify, Ke Yixiang Should ground processing payment transaction.Polymerizer 112 can start the processing of the payment for payment transaction immediately, and/or can polymerize The transaction of single polymerization payment transaction is paid for handling.If for example, dealing money is less than predeterminated level (for example, beautiful less than 5 Member), then polymerizer 112 can polymerize payment transaction, until the aggregated at least predetermined amount of money (example to be paid of consumer 102 Such as, $ 25).

When trade company 110 is ready to, trade company 110 and/or the Shou Dan financial institutions of the behaviour of trade company 110 are represented (for example, receiving single Bank) VCN can be used to generate the certification request to payment transaction.Certification request can be used for dealing money (for example, polymerization , if applicable), and including the VCN associated with mobile device 104 or coming from for true sale account can be replaced The polymerization of the transaction of mobile device or multiple mobile devices.Then certification request can be submitted to payment network 114.Pay net Network 114 can receive certification request, can recognize using VCN (for example, based on BIN) in transaction, and can switch transaction The VCN of account, the Transaction Account number MNO 106 associated with trading account are associated.

Then, certification request may be forwarded to the distribution financial institution (example associated with MNO 106 trading account Such as, the bank of issue) or for handling its another appropriate entity.Distribution financial institution can use conventional method and system to ratify Or refusal to pay transaction.Authentication response can be generated and provided to payment network 114 by issuing financial institution.Then payment network 114 can correspondingly carry out payment transaction.If transaction goes through and handled, the clearing of transaction can be included from the financial machine of distribution Structure transmits dealing money (for example, using MNO 106 trading account) to trade company 110.Issue financial institution and/or MNO 106 Repayment amount can be collected to consumer 102 in turn.

Therefore, the method and system being discussed herein trade company 110 to provide to consumer 102 to set using moving with it The chance that standby 104 associated device identifier (for example, telephone number) is paid, sets without changing existing payment basis Apply and directly consult with MNO 106.In addition, can be directly from the situation of the transmission equipment identifier of mobile device 104 in transaction Under, device identifier can be used without the input of consumer 102.As a result, trade company 110 can provide to consumer 102 The ability of the payment transaction with charging is carried out from its MNO 106, without providing any payment information.

In certain embodiments, aggregate entities 112 are configurable to receive for handling from trade company 110 and/or MNO106 Payment transaction service charge, such as the compensation to required processing and for for trade company 110 and MNO 106 by its Handle added efficiency and improvement that the role in payment transaction provides.In such embodiments, aggregate entities 112 can be generated Invoice, to provide the service charge via the VCN each payment transactions carried out provided by aggregate entities to trade company 110.Then, business Family 110 can be paid to the payment procedure expense of aggregate entities 112.In some cases, aggregate entities 112 can be by part or all of hand The payment that continues to pay dues is transmitted to corresponding MNO 106.

Processing server

Fig. 2 shows processing server 200.Processing server 200 can be arranged to perform the system 100 being discussed herein Any one entity function one or more computing devices, for example mobile device 104, MNO 106, trade company 110, polymerization Entity 112 and payment network 114.

Processing server 200 can include receiving unit 202.Receiving unit 202 is configurable to via one or more Procotol receives data on one or more networks.Processing server 200 can also include processing unit 204.Processing is single Member 204 is configurable to perform to the obvious corresponding entity discussed in this article of those skilled in the relevant art or equipment Function.Processing server 200 may further include delivery unit 206.Delivery unit 206 is configurable to via one or many Individual procotol transmits data on one or more networks.

Processing server 200 can also include one or more data storage storehouses 208.Each data storage storehouse 208 can be with Data storage is configured to, and multiple Data Entries, profile or the work(for being adapted for carrying out each processing server 200 can be included Other data item of energy.Each processing server 200 can also include memory 210, and it is configurable to storage and is suitable for holding The additional data of the function of each processing server 200 of row, such as rule, algorithm, variable.

MNO 106 processing server 200 may be configured to receive the reception list of transaction request from aggregate entities 112 Member 202.Transaction request can include telephone number or miscellaneous equipment identifier.Data storage storehouse 208 is used for including The device identifier of credit information, account balance etc. is believed to store the account associated with consumer 102 with mobile device 104 Breath.What processing unit 204 was configurable to include based on accounts information is stored in the data in data storage storehouse 208 to ratify Or refusal transaction, it can be based further on storing rule in memory 210 and algorithm.Processing unit 204 can also match somebody with somebody Be set to and the payment transaction that 102 pairs of uses of consumer its mobile devices 104 is carried out charged, such as via normal clearing at Reason charge, deduction etc. from its account balance.Delivery unit 206 is configurable to ratify or refusal transaction returns to polymerization in fact Body 112.

The processing server 200 of trade company 110 can include receiving unit 202, and it is configured to for example via mobile network 108 Receive the transaction data for pending processing payment transaction.Delivery unit 206 is configurable to transmit to aggregate entities 112 and wrapped The device identifier in transaction data is included, aggregate entities 112 can return to VCN associated there.Processing unit 204 can be with It is configured to Data Entry being stored in the data storage storehouse 208 for mobile device 104, the Data Entry includes device identification Accord with the payment transaction for future with correlation VCN.Delivery unit 206 was also configured as the transaction data generation including VCN Acquirer is sent to for device identifier and/or payment network 114 is handled.Receiving unit 202 can be further configured to The authentication response for payment transaction is received, it can use processing unit 204 to be handled accordingly.Can be with trade company 110 In the embodiment for polymerizeing transaction, the Data Entry in data storage storehouse 208 can include polymerization amount and limitation, and memory 210 can include the rule of polymerization and the processing on payment transaction.

The processing server 200 of aggregate entities 112 may be configured to from the receiving device identifier of trade company 110 and transaction The receiving unit 202 of the amount of money.Delivery unit 206 can to MNO 106 transmit transaction device identifier and dealing money with In approval.Receiving unit 202 can receive the approval to transaction from MNO 106, and MNO 106 can promote delivery unit 206 will VCN requests, which are sent to, can include the payment network 114 of device identifier.The request can also include mark MNO 106 letter Breath, such as Transaction Account number.Receiving unit 202 can receive the VCN associated with device identifier.Processing unit 204 can be In data storage storehouse 208 storage include device identifier, associated VCN and associated MNO 106 Data Entry.Storage Database 208 can also including the use of VCN carry out transaction record, such as reporting (example to associated MNO 106 Such as, by delivery unit 206).Processing unit 204, which is also configured as generation, is used for the invoice that service charge is paid, single by transmission Member 206 is sent to trade company 110.

It is included in the receiving unit that the processing server 200 in payment network 114 may be configured to receive VCN requests 202.In some cases, VCN can include the specific BIN or BIN in the range of the BIN associated with MNO106, the MNO 106 is associated with the device identifier received.The VCN recognized can be sent to aggregate entities 112 by delivery unit 206, And Data Entry can be stored in data storage storehouse 208 by processing unit 204, the Data Entry include device identifier, Associated VCN and the MNO 106 associated with device identifier trading account.Receiving unit 202 can be configured further To receive the certification request for the payment transaction for including VCN.In this transaction, processing unit 204 VCN can be exchanged into including The Transaction Account number of MNO 106 in the Data Entry including VCN.Receiving unit 202, processing unit 204 and delivery unit 206 Can be further configured to perform using Transaction Account number carry out payment transaction necessary to function, this technology to association area Personnel are obvious.

The direct operator's charging processing examples of VCN

Fig. 3 shows the system 100 by using Fig. 1 to use the VCN instantiation procedure for direct operator's charging.

In step 302, consumer 102 can use the application program on its mobile device 104 to be done shopping in trade company 110. Consumer 102 can select to buy one or more products and can be settled accounts.In step 304, as the knot of product A part for account process, consumer 102 can select to use telephone number or the miscellaneous equipment mark associated with mobile device 104 Know symbol to be paid.Within step 306, consumer 102 can input its telephone number and submit payment and processing transaction.One In a little embodiments, mobile device 104 itself can recognize telephone number or miscellaneous equipment identifier and be included into number of deals In.

In step 308, telephone number can pass to trade company as a part for trading processing, and trade company can be by phone Number and other transaction data are forwarded to aggregate entities 112.In the step 310, aggregate entities 112 can receive telephone number simultaneously And can be associated with mobile device 104 MNO106 (for example, directly operator) communicated, to verify telephone number simultaneously Receive the approval of the transaction.In step 312, MNO 106 can receive transaction data and telephone number.In a step 314, MNO 106 can verify telephone number and can ratify transaction, if for example consumer 102 has enough money in its account Gold, with enough credit, status information etc..In some embodiments, MNO can the bill payment history based on consumer Approval transaction.For example, if consumer is on time and payment on terms bill in full, MNO can accept the risk for consumer, and Ratify before approval in the case of non-acquisition fund.In some embodiments, in step 332, MNO can be to controlled by application Any VPN setting controls that number (CPN) is produced are paid, controlled disbursement number by one or more regular limitations with being paid Account is associated.In some embodiments, these rules can be set by holder, such as Spending Limit, the day of trade and/or Time restriction, the limitation of trade company or industry, transaction expenditure or frequency limit etc..Controlled disbursement number can provide account holder Give the chance that other people use by the Payment Card being tied in account, but by holder (for example to employee's hair fastener employer or To the father and mother of children's hair fastener) setting regular limitation.

In step 316, aggregate entities 112 can receive transaction approval from MNO 106.In step 318, aggregate entities 112 can send the request to VCN to payment network 114.The request can at least include the electricity associated with mobile device 104 Talk about the information of number and mark MNO 106 and/or trading account associated therewith.In step 320, payment network 114 It can receive request, and in step 322 and can recognize the VCN for the transaction that be used to be related to mobile device 104.In some feelings Under condition, the VCN identified can have the BIN corresponding to BIN the or BIN scope associated with the MNO 106 recognized.One In a little embodiments, step 322 can also identify the trading account associated with MNO 106, if for example connect based on being included in The information of MNO 106 in the VCN requests of receipts not yet recognizes trading account.

In step 324, VCN can be supplied to aggregate entities 112, aggregate entities 112 can provide VCN simultaneously to trade company The approval of transaction is returned into trade company.In some embodiments, in step 334, aggregate entities 112 can start certification please Ask, to continue with the payment transaction shown in Fig. 4, and be discussed below.In step 328, consumer 102 can receive transaction Approval, its can include receive product transaction.

In step 326, trade company 110 can receive VCN and approval, and can provide what is bought to consumer 102 Product.In step 328, consumer 102 or trade company 110 can receive the approval of transaction, and it can include receiving what is merchandised Product.In a step 330, trade company 110 can continue with the payment transaction shown in Fig. 4 and be discussed below.In some situations Under, trade company 110 can wait the payment of pending payment transaction, until consumer 102 has polymerize predetermined dollar value from transaction.

Fig. 4 shows using direct operator's charging with the VCN shown in above-mentioned and Fig. 3 to handle in payment transaction The processing of payment.

In step 402, trade company 110 and/or polymerizer 112 can start to being related to the one or more of consumer 102 The processing of the payment transaction of transaction, and VCN can be used as the Transaction Account number for being provided with funds for payment transaction.One Can be each transaction transmission VCN, and/or VCN can be sent to trade company 110 for multiple MNO batches in a little embodiments Accurate transaction.Certification request can be by trade company 110 and/or the financial machine of the receipts list associated with trade company 110 and/or polymerizer 112 Structure (such as merchant bank) submits to payment network 114.In step 404, for example BIN or VCN to the MNO transaction based on VCN The mapping of account, payment network 114 can switch the VCN of the Transaction Account number associated with MNO 106, and MNO 106 is related to VCN Connection.Then traditional method and system can be used to handle transaction.

As a part for trading processing, in a step 406, publisher's processor 400 can be received to be handed over including MNO 106 The certification request of the transaction of easy account.In a step 408, publisher's processor 400 can recognize account, and can represent MNO 106 generates the approval (if applicable) of payment transaction.It is associated with the trading accounts of MNO 106 as a part for approval Distribution financial institution 401 (for example starting bank) can be received from payment network 114 and/or publisher's processor 400 on The reconciliation file of payment transaction.In certain embodiments, publisher's processor 400 and publisher 401 can be single entitys. In step 412, payment network 114 can receive the approval of transaction from publisher's processor 400, and in step 414 can be with Approval is transmitted to trade company 110 and/or the acquirer associated with trade company 110.

After transaction authentication has been handled, it can settle accounts.In step 416, clearing can include by one or poly- The dealing money of the transaction of conjunction from MNO 106 trading account are sent to trade company 110.Trade company 110 can receive in step 418 The fund of transaction.In certain embodiments, payment network 114 can be used to promote the transmission of dealing money.The clearance of transaction Processing can be identical with the clearance processing in being merchandised used in conventional payment, and this is apparent for those skilled in the relevant art 's.

Once the clearing of transaction and clearance have been completed, in certain embodiments, aggregate entities 112 can be to trade company 110 Collect the service charge for handling payment transaction.At step 420, aggregate entities 112 can generate the invoice of trade company 110, its Including the service charge for each merchandising.In some cases, service charge can be classified by MNO 106.In other cases, hand Continuing to pay dues can be classified by consumer 102 and/or mobile device 104.In step 422, invoice can be supplied to trade company 110, The payment of invoice can be submitted and return to aggregate entities 112 by trade company 110 in step 424.In step 426, aggregate entities 112 can To receive payment.In step 428, aggregate entities 112 can provide payment for each respective transaction to MNO 106, rather than The service charge retained by aggregate entities 112 for its service.

Processing as a result, trade company can provide the chance paid with telephone number for consumer, without via making Ground trade company (on-soil merchant) is registered as with VCN.As a result, trade company can avoid the shortcoming of tax revenue, use simultaneously Existing payment infrastructure, and still provide the consumer with the benefit paid using the telephone number of its mobile device.In addition, The existing checkout stream of consumer 102 is retained, and can be modified in some cases, and for example mobile device 104 is wrapped automatically Include the situation of the device identifier in transaction data.

In some cases, as described above, each entity being related in system 100 can change existing system and basis Structure, to perform the processing shown in Fig. 3 and Fig. 4.For example, trade company 110 can need to change existing user interface, so as to disappear Expense person 102 can provide its telephone number or miscellaneous equipment identifier as method of payment.In addition, trade company 110 may need to match somebody with somebody It is set to from aggregate entities 112 and receives consumer 102 and/or the VCN of mobile device 104, and in a suitable case, Ke Nengxu Want configuration of transaction to start to include VCN in certification request rather than in Transaction Account number.

Aggregate entities 112 can be required to change processing system to safeguard (for example, in data storage storehouse 208) VCN's List.In some cases, it can require that aggregate entities 112 are communicated with payment network 114, with via API Request and reception VCN.In some embodiments, trade company can be sent to for each transaction transmission VCN, and/or VCN 110 are used for the transaction that multiple MNO ratify.Aggregate entities 112 are also configured as reporting to MNO 106 and merchandised, and can match somebody with somebody It is set to service charge and payment of the processing from trade company 110 and between trade company 110 and MNO 106.

Payment network 114 is configurable to assist to set up aggregate entities 112 and/or MNO account.Payment network 114 is also The existing system for generating and issuing the VCN associated with MNO 106 can be changed, such as by setting up associated BIN Scope.Payment network 114 be also configured as providing with integrated (such as via API) of aggregate entities 112 with In reception is to VCN request and responds thereto.

MNO 106 can determine reporting requirement to provide the report of consumer transaction to aggregate entities 112.MNO 106 is also Consumer 102 can be represented and set up account (for example, by means of payment network 114) for the payment of trade company 110.

Fig. 5 show be stored in for identification act on behalf of in stored value card and with act on behalf of stored value card, sharing electron wallet or The method 500 of the evidence for payment of the associated payment account of digital entities.

In step 502, multiple account profiles can be stored in account database (for example, data storage storehouse 208), its In each account profile it is related to wallet account, and can at least include：Wallet identifier is (for example, use phone payment options And Service Ticket 304).

In step 504, account request can be by receiving device (for example, POS terminal) from the specific of multiple digital entities Digital entities are received, and wherein account request at least includes the particular account identifier associated with optional network specific digit entity.For example, disappearing Expense person can select the one or more products to be bought, and can be settled accounts.It is used as one of the check-out process of product Point, consumer can use the telephone number associated with mobile device and/or miscellaneous equipment identifier that Payment Card is presented 522。

In step 506, telephone number can be identified as pay mark symbol, and be used as a part of quilt of trading processing Trade company is passed to, trade company can input trade detail 524, and can be by telephone number and other numbers of deals in step 526 According to being forwarded in aggregate entities.

In step 508, at least one or more pay mark symbol can be transmitted by transmission equipment.Aggregate entities can connect Revenue and expenditure pays identifier, and in step 530, can the MNO associated with mobile device communicated, with validation of payment mark Know the approval for according with and receiving transaction.

In step 510, MNO can receive transaction data and telephone number.In step 546, MNO can be with validation of payment Identifier and can ratify transaction；If such as consumer has enough funds, with enough credit, shape in its account State information etc..

In step 556, in aggregate entities after MNO 106 receives trading approving, aggregate entities can be to payment Network sends the request to VCN.Request can at least include the telephone number and mark MNO associated with mobile device 104 106 and/or the information of trading account associated there.Payment network can receive request, and can recognize and to be used to relate to And the VCN of the transaction of mobile device.

In step 558, VCN can be provided to aggregate entities, and aggregate entities can provide VCN to trade company and will transaction Approval trade company is provided back.In some embodiments, aggregate entities can start certification request to continue with and pay net The payment transaction of network.

In step 548, trade company can receive VCN and approval.In step 552, trade company can be used with the straight of VCN Operator's charging is connect to ask the approval to handling payment in payment transaction.Trade company and/or polymerizer can start to being related to The processing of the payment transaction of one or more transaction of consumer, and VCN can be used as being provided for payment transaction The Transaction Account number of fund.In some embodiments, business can be sent to for each transaction transmission VCN, and/or VCN Family 110 is used for the transaction that multiple MNO ratify.Payment network can switch the VCN of 528 Transaction Account numbers associated with MNO, should MNO is associated with VCN.

In step 512, the voucher group associated with the specific payment identifier in particular account profile can be by handling Equipment recognize, wherein the voucher group is first group of evidence for payment in one or more first group of evidence for payment, be from one or The specific payment identifier selected in multiple pay mark symbols, and if from one or more pairing wallet identifiers Specific payment identifier is have selected in each corresponding one or more additional pay identifier, then the voucher group is this Or the accompanying documentation group in multiple accompanying documentation groups.In step 538, traditional method and system then can be used to handle Transaction.In step 542, distribution financial institution can ratify transaction.In step 554, payment network can be to trade company's transmission batch It is accurate.In step 550, consumer 102 can receive the approval of transaction, and it can include receiving the product for merchandising.

In certain embodiments, the voucher group recognized can be sent to as the response of the account request to receiving Optional network specific digit entity.In one embodiment, the voucher group recognized can include being suitably included in being used for payment transaction Evidence for payment in the associated transaction message of the payment transaction of fund.In certain embodiments, account request can be further Including the Service Ticket provided, and method 500 can also be including being based on being stored in particular account profile by processing equipment Service Ticket provided Service Ticket is provided.

In some embodiments, method 500 can include：Received and passed via communication network electronics from trade company by polymerizer The device identification of defeated transaction data signal, wherein data-signal and consumer's mobile device including being attached to consumer account Transaction request and the dealing money superposition of symbol；One or more marks are based on from polymerizer to Mobile Network Operator (MNO) transmission The certification message of quasiconfiguaration, the certification message arrangement is the certification request for the approval for indicating transaction request；By polymerizer from MNO receives the approval transaction data signal via communication network electric transmission, and the wherein approval of data-signal and transaction request is folded Plus, the approval of transaction request confirms that consumer account has enough available funds to complete transaction；By polymerizer for transaction The amount of money to payment network transmit the request message based on one or more standard formats, the request message be configured to indicate with Associated virtual card number (VCN) request of MNO trading account；Received by polymerizer from payment network via communication network electricity The VCN transaction data signals of son transmission, wherein being superimposed data-signal with VCN in response to VCN requests, wherein VCN and MNO friendship Easy account is associated；And the VCN message formatted based on one or more standards is transmitted to payment network, the VCN disappears Breath is configured to indicate that the VCN of payment transaction starts.

When transmitting VCN for starting payment transaction, payment network can switch the Transaction Account number associated with MNO VCN is to handle payment, and the Transaction Account number is associated with VCN.In some embodiments, can be each transaction transmission VCN, And/or VCN can be sent to transaction of the trade company 110 for multiple MNO approvals.MNO can be based on prepaying in consumer account The availability approval transaction of fund.One or more standards can include ISO8583 standards.After MNO approval transaction, polymerization Device can ask VCN from payment network.In some embodiments, after trade company receives VCN, trade company by payment network at Reason transaction.In other embodiments, after trade company receives VCN, trade company can polymerize transaction to handle by payment network The payment of single polymerization payment transaction.After the VCN that payment network receives payment transaction starts, payment network can switch The VCN of the Transaction Account number associated with MNO simultaneously handles transaction, and the Transaction Account number is associated with VCN.

Computer system architecture

Fig. 6 is shown in which that embodiment of the disclosure or part thereof may be implemented as the computer of computer-readable code System 600.For example, trade company 110, consumer 102, mobile device 104, aggregate entities 112, publisher's processor 400, publisher 401st, payment network 114 and MNO106 system can be used in computer system 600 hardware, software, firmware, with storage Realized in the non-transitory computer-readable medium of instruction thereon or its combination, and can be in one or more departments of computer science Realized in system or other processing systems.Hardware, software or its any combinations can include the method for realizing Fig. 3 and Fig. 4 Module and component.

If using FPGA, such logic can be performed on commercially available processing platform or special equipment. It will appreciated by the skilled person that the embodiment of disclosed theme can be using various computer system configurations come real Apply, including multinuclear multicomputer system, minicom, mainframe computer, link with distributed function or cluster computer And popularization or the microcomputer of substantially any equipment can be embedded in.It is, for example, possible to use at least one processor device and depositing Reservoir realizes above-described embodiment.

Processor unit discussed in this article or equipment can be single processor, multiple processors or its combination.Processing Device equipment can have one or more processors " kernel ".Term " computer program medium " as discussed herein, " non-temporarily When property computer-readable medium " and " computer usable medium " are generally used for referring to tangible medium, such as removable memory module 618th, removable memory module 622 and the hard disk in hard disk drive 612.

The various embodiments of the disclosure are described according to the example computer system 600.After reading this description, how Those skilled in the relevant art will become obvious using other computer systems and/or computer architecture.Although can be with Describe the operations as sequential processes, but certain operations can essentially concurrently, simultaneously and/or in distributed environment be held OK, and wherein the program code that uniprocessor or multiprocessor machine are accessed is stored in Local or Remote.In addition, in some realities Apply in example, in the case where not departing from the spirit of disclosed theme, operation order can be rearranged.

Processor device 604 can be special or general processor equipment.Processor device 604 may be coupled to communication base Infrastructure 606, such as bus, message queue, network, multinuclear messaging scheme.Network can be suitable for performing this paper Any network of disclosed function, and can include LAN (LAN), wide area network (WAN), wireless network (such as WiFi), Mobile communications network, satellite network, internet, optical fiber, coaxial cable, infrared, radio frequency (RF) or its any combination.It is other suitable Network type and configuration will be apparent for those skilled in the relevant art.Computer system 600 can also include Main storage 608 (for example, random access memory, read-only storage etc.), and additional storage 610 can also be included.It is auxiliary Memory 610 is helped to include hard disk drive 612 and removable Storage driver 614, such as floppy disk, magnetic tape drive Device, CD drive, flash memory etc..

Removable Storage driver 614 can read and/or write from removable memory module 618 in known manner can Mobile memory cell 618.Removable memory module 618 can include what can be read and be write by removable Storage driver 614 Movable storage medium.For example, if removable Storage driver 614 is floppy disk or USB port, Removable memory module 618 can be floppy disk or portable flash drive respectively.In one embodiment, removable Storage list Member 618 can be non-transitory computer readable recording medium.

In certain embodiments, additional storage 610 can include being used to allow to add computer program or other instructions The alternative means in computer system 600 is downloaded to, for example, removable memory module 622 and interface 620.The example of this means Can include programming box and cartridge interface (for example, being found in video game system), removable memory chip (for example, EEPROM, PROM etc.) and associated socket and other removable memory modules 622 and interface 620, this is for association area Technical staff will be apparent.

The data for being stored in computer system 600 (for example, in main storage 608 and/or additional storage 610) can To be stored on any kind of suitable computer-readable medium, for example optical memory (for example, CD, digital versatile disc, Blu-ray Disc etc.) or magnetic tape storage (for example, hard disk drive).Data can be only fitted to any kind of suitable database In configuration, such as relational database, SQL (SQL) database, distributed data base, object database.It is suitable The configuration of conjunction and storage class will be apparent for various equivalent modifications.

Computer system 600 can also include communication interface 624.Communication interface 624 is configurable to allow in computer Software and data are transmitted between system 600 and external equipment.Example communication interface 624 can include modem, network Interface (for example, Ethernet card), COM1, PCMCIA slot and card etc..The software and data transmitted via communication interface 524 Can be the form of signal, it can be electronics, electromagnetism, optics or other signals, this will be to those skilled in the relevant art Obviously.Signal can advance via communication path 626, and communication path 626 is configurable to carrying signal, and can be with Realized using electric wire, cable, optical fiber, telephone wire, cellular phone link, radio frequency link etc..

Computer system 600 may further include display interface device 602.Display interface device 602 is configurable to allow Data are transmitted between computer system 600 and external display 630.It is many that exemplary display interface 602 can include high definition Media interface (HDMI), digital visual interface (DVI), Video Graphics Array (VGA) etc..Display 630 can be used to show The display of any suitable type for the data transmitted via the display interface device 602 of computer system 600, including cathode-ray Manage (CRT) display, liquid crystal display (LCD), light emitting diode (LED) display, capacitive touch display, film crystal Manage (TFT) display etc..

Computer program medium and computer usable medium can refer to memory (for example, main storage 608 and auxiliary storage Device 610), it can be memory semiconductor (for example, DRAM etc.).These computer program products can be used for computer System 600 provides the device of software.Computer program (for example, computer control logic) can be stored in main storage 608 and/ Or in additional storage 610.Computer program can also be received via communication interface 624.Such computer program is being held During row computer system 600 can be enable to realize this method discussed in this article.Especially, computer program upon execution may be used So that processor device 604 can realize the method shown in Fig. 3 and Fig. 4, as discussed herein.Therefore, such computer Program can represent the controller of computer system 600.In the case where the disclosure is realized using software, software can be stored in In computer program product, and use removable Storage driver 614, interface 620 and hard disk drive 612 or communication interface 624 are loaded into computer system 600.

The technology consistent with the disclosure, there is provided the system and method for handling payment transaction among other characteristics.Though The various exemplary embodiments of disclosed system and method are so described above, but it is to be understood that their appearance Just for the sake of the purpose of example, rather than limitation.It is not detailed, disclosure is not limited to disclosed accurate Form.According to above-mentioned teaching, modifications and variations are possible, or can be changed in the case where not departing from range or scope and Change can be obtained from the practice of the disclosure.

Claims (20)

1. a kind of method for handling transaction, including：

By polymerizer from trade company receive via communication network electronics transmit transaction data signal, wherein, the data-signal with Transaction request and the dealing money superposition of device identifier including consumer's mobile device, consumer's mobile device are subordinate to In consumer account；

The certification message based on one or more standard formats is transmitted from the polymerizer to Mobile Network Operator (MNO), Certification request of the certification message arrangement for instruction for the approval of the transaction request；

The approval transaction data signal transmitted via communication network electronics is received from the MNO by the polymerizer, wherein, it is described Data-signal is superimposed with the approval of the transaction request, and the approval of the transaction request confirms that the consumer account has enough Available funds complete the transaction；

From the polymerizer request based on one or more standard formats is transmitted for the dealing money to payment network Message, the request message is configured to indicate virtual card number (VCN) request associated with the trading account of the MNO；

The VCN transaction data signals transmitted via communication network electronics are received from the payment network by the polymerizer, wherein, The data-signal is superimposed with VCN in response to VCN requests, wherein, the VCN is related to the trading account of the MNO Connection；With

The VCN message based on one or more standard formats is transmitted to the payment network, the VCN message arrangements are instruction The VCN of payment transaction starts.

2. according to the method described in claim 1, wherein, when in order to start payment transaction transmit the VCN when, the payment net Network switches the VCN of the Transaction Account number associated with the MNO to handle payment, and the MNO is related to the VCN Connection.

3. according to the method described in claim 1, wherein, the device identifier is at least one of the following：Telephone number, Media access control (MAC) address, Unique Device id (UUID), International Mobile Station Equipment Identity (IMEI), Internet Protocol Location, sequence number, number of registration and user name.

4. according to the method described in claim 1, wherein, the MNO can based on the advance fund funding in the consumer account Ratify the transaction with property.

5. according to the method described in claim 1, wherein, one or more of standards include ISO8583 standards.

6. according to the method described in claim 1, wherein, the polymerizer is after the MNO ratifies the transaction from described Payment network asks VCN.

7. according to the method described in claim 1, wherein, the VCN can include at least one of the following：Bank identifier number (BIN), credit number, debit card number and check number.

8. according to the method described in claim 1, wherein, the VCN message is sent to the trade company for multiple MNO crowd Accurate transaction.

9. according to the method described in claim 1, wherein, after the trade company receives the VCN, the trade company passes through institute Payment network polymerization transaction is stated to handle the payment of single polymerization payment transaction.

10. according to the method described in claim 1, wherein, the payment network receive payment transaction the VCN start it Afterwards, the payment network switches the VCN of the Transaction Account number associated with the MNO and handles the transaction, described MNO is associated with the VCN.

11. a kind of system for being used to handle transaction, including：

The receiving device of aggregator service device, the receiving device is configured to：

The transaction data signal transmitted via communication network electronics is received from trade company, wherein, the data-signal is with including consumption Transaction request and the dealing money superposition of the device identifier of person's mobile device, consumer's mobile device are under the jurisdiction of consumer Account；With

The transmission equipment of the aggregator service device, the transmission equipment is configured to：

The certification message based on one or more standard formats, the certification message are transmitted to Mobile Network Operator (MNO) It is configured to indicate the certification request of the approval for the transaction request；

Wherein, the receiving device of the aggregator service device is further configured to receive via communication network from the MNO The approval transaction data signal of electronics transmission, wherein, the data-signal is superimposed with the approval of the transaction request, the transaction The approval of request confirms that the consumer account has enough available funds to complete the transaction；

Wherein, the transmission equipment of the aggregator service device is further configured to be directed to the dealing money to payment network The request message based on one or more standard formats is transmitted, the request message is configured to indicate the transaction with the MNO Associated virtual card number (VCN) request of account；

Wherein, the receiving device of the aggregator service device is further configured to receive via communication from the payment network The VCN transaction data signals of network electronic transmission, wherein, the data-signal is superimposed with VCN in response to VCN requests, Wherein, the VCN is associated with the trading account of the MNO；With

Wherein, the transmission equipment of the aggregator service device is further configured to be based on one to payment network transmission Or the VCN message of multiple standard formats, the VCN message arrangements are that the VCN for indicating payment transaction starts.

12. system according to claim 11, wherein, when transmitting the VCN to start payment transaction, the payment The VCN of the network switching Transaction Account number associated with the MNO is to handle payment, and the MNO is related to the VCN Connection.

13. system according to claim 11, wherein, the device identifier is at least one of the following：Phone number Code, media access control (MAC) address, Unique Device id (UUID), International Mobile Station Equipment Identity (IMEI), Internet Protocol Address, sequence number, number of registration and user name.

14. system according to claim 11, wherein, the MNO is based on the advance fund funding in the consumer account Availability ratifies the transaction.

15. system according to claim 11, wherein, one or more of standards include ISO8583 standards.

16. system according to claim 11, wherein, the polymerizer only after the MNO ratifies the transaction from The payment network asks VCN.

17. system according to claim 11, wherein, the VCN can include at least one of the following：Bank identifier Number (BIN), credit number, debit card number and check number.

18. system according to claim 11, wherein, the VCN message is sent to the trade company for multiple MNO The transaction of approval.

19. system according to claim 11, wherein, after the trade company receives the VCN, the trade company passes through The payment network polymerization merchandises to handle the payment of single polymerization payment transaction.

20. system according to claim 11, wherein, the VCN for receiving payment transaction in the payment network starts Afterwards, the payment network switches the VCN of the Transaction Account number associated with the MNO and handles the transaction, institute State MNO associated with the VCN.